Risk Analyst, NCT

Deutsche Bank AG; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Benefits offered by this job

Best in class leave policy

Gender neutral parental leaves

Childcare reimbursement

Industry certifications sponsorship

Employee Assistance Program

Hospitalization Insurance

Accident and Term life Insurance

Health screening for 35+

Job summary

Deutsche Bank AG in Mumbai seeks a Risk Analyst to undertake rigorous credit analysis, prepare reviews and support onshore KCPs. You will monitor portfolios, assist senior decision-makers, and engage with multiple stakeholders to manage exposure and credit risk under global standards.

The role requires strong analytical skills, accounting background, and experience in credit underwriting, with familiarity in banking products and credit documentation. Training and development are provided.

Qualifications

• Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc.
• Experience in credit underwriting
• Strong analytical skills and knowledge of financial markets
• Accounting background with cash flow projections or project finance

Responsibilities

• Undertake accurate and timely credit analysis of counterparties by assessing business model and financial statements.
• Write rating reports and credit reviews for senior approvals.
• Engage in live trades with onshore credit officers and contribute credit write-ups.
• Monitor portfolios, ratings changes, and market developments affecting credit worthiness.
• Understand banking products and credit documentation; support KCP with reviews.
• Update credit limits and exposure in the system; monitor covenants.
• Collaborate with Credit officers and stakeholders to ensure understanding of exposure.
• Participate in ad-hoc portfolio exercises and regulatory projects

Skills

Credit underwriting

Financial analysis

Cash flow projection

Analytical thinking

Industry trends

AI tools

Education

MSc / MA / MBA / CA / CFA

Tools

Excel

Financial modeling

Job description

Job Description:In Scope of Position based Promotions.Job Title: Risk Analyst, NCTLocation: Mumbai, IndiaRole DescriptionRisk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients.Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation.In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda.The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risk’s transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the sameWhat we’ll offer youAs part of our flexible scheme, here are just some of the benefits that you’ll enjoy,Best in class leave policy.Gender neutral parental leaves100% reimbursement under childcare assistance benefit (gender neutral)Sponsorship for Industry relevant certifications and educationEmployee Assistance Program for you and your family membersComprehensive Hospitalization Insurance for you and your dependentsAccident and Term life InsuranceComplementary Health screening for 35 yrs. and aboveYour key responsibilitiesUndertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis.Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval.Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same.On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DB’s exposure in mind.Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews.Monitoring of limits/exposure: Updating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs.Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendationsInterface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DB’s exposure and timely completion of the credit reviews.Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies.Ensure compliance with relevant and applicable local and global regulatory and policy requirementsYour skills and experienceRelevant professional qualifications are MSc / MA / MBA / CA / CFA, etc.Relevant work experience in credit underwritingStrong analytical skills, knowledge of financial markets and economic/industry trendsStrong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project financeProven ability to leverage AI tools to enhance productivity, optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs.How we’ll support youTraining and development to help you excel in your career.Coaching and support from experts in your team.A culture of continuous learning to aid progression.A range of flexible benefits that you can tailor to suit your needs.About us and our teamsPlease visit our company website for further information:https://www.db.com/company/company.htmlWe strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.We welcome applications from all people and promote a positive, fair and inclusive work environment.